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1645163

日本即時付款：市場佔有率分析、行業趨勢和統計、成長預測（2025-2030 年）

Japan Real Time Payment - Market Share Analysis, Industry Trends & Statistics, Growth Forecasts (2025 - 2030)
出版日期: | 出版商: Mordor Intelligence | 英文 110 Pages | 商品交期: 2-3個工作天內

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簡介目錄

日本即時付款市場規模預計在 2025 年為 27.1 億美元，預計到 2030 年將達到 111.7 億美元，預測期內（2025-2030 年）的複合年成長率為 32.76%。

日本即時支付-市場-IMG1

關鍵亮點

  • 由於消費者對於速度和便利性的需求不斷成長，以及技術和監管支援的付款解決方案推動人們持續遠離現金，即時付款系統正在迅速普及。
  • 智慧型設備的普及和網路零售業的蓬勃發展正在推動日本即時付款的快速發展。此外，智慧型手機和其他連網裝置的廣泛使用以及消費者對即時的不斷提高的期望也反映出消費者對即時付款的需求日益成長。
  • 日本政府採取的財政誘因、標準化和市場發展等舉措也推動了即時付款市場的成長。例如，政府正計劃透過數位平台推出工資平台，這可能進一步促進消費者的採用。政府也設定了目標，到 2025 年將無現金付款佔所有交易的比例從約 20% 擴大到約 40%。
  • 然而，對現金（傳統方式）的高度依賴、高昂的實施成本以及偏好傳統付款系統的消費者需求低是阻礙日本即時付款市場成長的一些挑戰。
  • 在日本，一些市場參與企業正在擴大他們的即時付款服務。 2022年12月，Adyen在日本推出了統一商務解決方案，提供了連結不同線上和線下分銷管道的付款管道。預計此類供應商的採用將在預測期內推動市場成長。
  • 新冠疫情的爆發對即時付款市場產生了重大影響。中國對數位轉型和先進技術基礎設施的重視，推動了即時付款解決方案的廣泛採用。此外，疫情加速了無現金付款的趨勢，並導致行動付款解決方案和電子錢包的使用增加。隨著各家公司競相提供更便利、更安全的解決方案，也刺激了即時付款產業的技術創新。

日本即時付款市場趨勢

數位付款的興起正在推動市場

  • 數位付款在日本已十分普及且越來越受歡迎。最常用的數位付款方式包括2D碼付款、行動付款和非接觸感應卡付款。這種採用是由於數位付款管道提供的便利性和安全性的提高。
  • 數位付款透過多種方式提供快速且有效率的付款基礎設施，幫助促進即時付款，包括即時匯款、即時處理、輕鬆對帳和方便用戶存取。根據 FIS 的數據， 與前一年同期比較日本 POS 現金付款佔有率年減 15%（上年下降 7.8%）。消費者選擇數位付款以避免在疫情期間接觸貨幣。
  • 日本政府預計，到2025年，無現金付款預計將佔日本所有交易的至少40%，比2021年成長約20%。日本政府認為，數位付款的擴張將促進旅遊業並刺激該國金融領域的創新。這最終將導致對即時付款的需求增加。
  • 此外，日本政府計劃在2023年春季之前推出一項系統，讓企業無需使用銀行帳戶即可進行數位付款，目前有30%的企業正在考慮引進該系統。這些努力進一步支持了即時付款市場的成長。
  • 日本年輕人已成為消費經濟的重要組成部分，他們要求數位化變革以適應他們精通科技的習慣。此外，透過向消費者提供獎勵和現金回饋來推廣數位付款的重大政治努力也有助於推動日本數位付款的採用。

智慧型手機普及率上升推動市場

  • 日本智慧型手機的高普及率在各種形式的即時付款的成長中發揮關鍵作用，包括行動付款、行動銀行、提高可近性和改善用戶體驗。智慧型手機的廣泛使用使得消費者能夠更方便地使用數位付款方式，從而促進了市場的成長。
  • 在日本，到2021年，約有92％的30至39歲族群將透過智慧型手機上網。對於 20 多歲的人來說，這一比例略低。根據內務部，80歲以上老人中，只有12.1%使用行動電話上網（日本）。
  • 根據內務部2021年9月的一項調查，日本民眾在使用網路時感到不安的原因中，絕大多數是擔心個人資訊和瀏覽器記錄被洩露的風險，超過90%的人提到了這一點。隨後又出現了電腦病毒攻擊、虛假帳單和詐騙行為。
  • 此外，調查也發現，許多日本人在使用網路時都會感到焦慮，而且這種傾向在老年人身上更為明顯。預計這些趨勢將阻礙日本各階層即時付款市場的成長。個人資訊的洩漏也可能影響年輕一代的付款習慣。
  • 此外，智慧型手機的普及導致了國內商品和服務的買賣增加，因此，行動商務的成長也促進了市場擴張。根據行動內容論壇預測，到2021年日本行動商務市場規模將達到約4.9兆日圓。

日本即時付款產業概況

日本的即時付款市場細分化，參與企業眾多。快速變化的客戶偏好使得市場更具吸引力，並吸引了大量投資。由於巨大的成長潛力，服務供應商正在採取擴張、合作、交易和收購等策略性舉措。

2022 年 8 月，任務關鍵型即時付款軟體的全球領導者 ACI Worldwide 宣布與日本領先的國內中央付款網路 Japan Card Network, Inc. (CARDNET) 達成協議，以對其數位付款基礎設施進行現代化改造。 ACI 與 CARDNET 合作，為 CARDNET 客戶帶來最新的數位付款技術和下一代解決方案。

2022年3月，全球領先的付款服務商Worldline宣布進入日本，處理全國零售商的信用卡卡片付款。日本是經濟成熟的國家，消費者的消費習慣保守且非常安全，因此卡片付款有很大的發展潛力。 Worldline 也於 2022 年 3 月擴大了在日本的業務，為當地企業提供信用卡卡片付款。為了在日本發展，這家法國付款供應商與當地付款解決方案和網路服務供應商(NSP) Vesca 合作。 Vesca 將充當 Worldline 在日本的技術推動者和接受層。 Worldline 預計於 2022 年初推出。這些服務包括信用卡收單和 POS 卡接受和處理。據該公司表示，希望在未來幾個月內增強其電子商務能力。

其他福利

  • Excel 格式的市場預測 (ME) 表
  • 3 個月的分析師支持

目錄

第 1 章 簡介

  • 研究假設和市場定義
  • 研究範圍

第2章調查方法

第3章執行摘要

第4章 市場洞察

  • 市場概況
  • 產業吸引力-波特五力分析
    • 供應商的議價能力
    • 購買者/消費者的議價能力
    • 新進入者的威脅
    • 替代品的威脅
    • 競爭對手之間的競爭強度
  • 國內付款環境的演變
  • 推動該地區無現金交易成長的主要市場趨勢
  • 評估新冠肺炎對市場的影響

第5章 市場動態

  • 市場促進因素
    • 智慧型手機普及率不斷提高
    • 政府措施加速即時付款解決方案的採用
  • 市場問題
    • 對付款安全的擔憂
    • 對現金的依賴
  • 市場機會
    • 政府政策變化鼓勵數位付款成長
  • 數位付款產業的關鍵法規和標準
    • 全球監管狀況
    • 可能成為監管障礙的經營模式
    • 隨著商業環境的改變而出現的發展空間
  • 關鍵用案例和使用案例分析

第6章 市場細分

  • 依付款類型
    • P2P
    • P2B

第7章 競爭格局

  • 公司簡介
    • Fiserv Inc.
    • Paypal Holdings Inc.
    • Mastercard Inc.
    • FIS Global
    • VISA Inc.
    • Apple Inc.
    • Alipay（Ant Financial）
    • SIA SpA
    • Finastra
    • ACI Worldwide Inc.

第8章投資分析

第9章：市場的未來

簡介目錄
Product Code: 91185

The Japan Real Time Payment Market size is estimated at USD 2.71 billion in 2025, and is expected to reach USD 11.17 billion by 2030, at a CAGR of 32.76% during the forecast period (2025-2030).

Japan Real Time Payment - Market - IMG1

Key Highlights

  • Real-time payment systems were proliferating due to increased consumer adoption for speed and convenience and the continued shift away from cash with payment solutions enabled by innovation and regulation.
  • The growing adoption of smart devices and booming online retail commerce drive the rapid adoption of real-time payments in the country. Also, the rising tide of real-time payments reflects growing consumer demand for real-time transactions, driven due to the ubiquity of smartphones and other connected devices, which have catalyzed consumer expectations for immediacy.
  • Several initiatives by the Japanese government, including financial incentives, standardization, and infrastructure development, are also adding growth to the real-time payment market. For instance, the government is planning to introduce a platform for wages through a digital platform which could further contribute to the adoption among consumers. Also, the government has set a target of growing cashless payments to around 40% of all transactions by 2025, up from approximately 20%.
  • However, the larger dependence of the population on cash (traditional method), cost of implementation, and low consumer demand as they prefer traditional payment systems are the factors challenging the growth of the real-time payment market in Japan.
  • Several market players are expanding their offering of real-time payment systems in the country. In December 2022, Adyen launched its unified commerce solution in Japan to provide a payment platform that connects different online and offline sales channels. Such introductions from the vendors are expected to fuel the market growth during the forecast period.
  • The outbreak of the COVID-19 pandemic greatly impacted the real-time payment market. With the country's focus on digital transformation and its advanced technology infrastructure, real-time payment solutions had widespread adoption. Additionally, the pandemic accelerated the trend toward cashless payment methods, leading to greater use of mobile payment solutions and e-wallets. This also helped spur innovation in the real-time payment industry as companies compete to offer more convenient and secure solutions.

Japan Real-Time Payment Market Trends

Digital Payment Adoption Will Drive the Market

  • Digital payments have been widely adopted and are growing in popularity in the country. Mostly used digital payment methods include QR code payments, mobile payments, contactless card payments, and others. This adoption is driven by the convenience and increased security offered by digital payment platforms.
  • Digital payments are helping to facilitate real-time payments by providing a fast and efficient payment infrastructure in various ways, including instant transfer, real-time processing, easy reconciliation, and convenient access to the users. According to FIS, Japan's share of cash point-of-sale payments fell 15% yearly (YoY) in 2021, compared to a 7.8% YoY reduction the year before. Consumers have opted for digital payments to avoid touching currency during the pandemic.
  • According to the government of Japan, cashless transactions are expected to account for at least 40% of all transactions in Japan by 2025, up around 20% from 2021. It believes that expanding digital payments will boost tourism and stimulate financial sector innovation in the country. This will eventually lead to a greater demand for real-time payments.
  • Furthermore, the Japanese government is planning to introduce a system for companies to pay salaries digitally without going through bank accounts by spring 2023, and 30% of companies are considering implementing this system. Such initiatives are further supporting the growth of the real-time payment market.
  • The younger population in Japan is becoming a significant part of the consumer economy and demanding a change to digital to match their technology-friendly habits. Also, massive political efforts to bring digital payment adoption by giving consumer rewards and cash rebates are likely to grow the adoption of digital payments in Japan.

Increased Smartphone Penetration to drive the Market

  • Increasing smartphone penetration in Japan is playing a key role in the growth of real-time payments in various ways, such as mobile payments, mobile banking, increased accessibility, and improved user experience. It is contributing to market growth by making digital payment methods more accessible and convenient for consumers.
  • In Japan, about 92% of persons aged 30 to 39 will use smartphones to access the internet in 2021. In the case of those in their twenties, the percentage was slightly lower. According to the Ministry of Internal Affairs and Communications, only 12.1% of those aged 80 and older used cell phones to access the internet (Japan).
  • According to a survey conducted by the Ministry of Internal Affairs and Communications (Japan) in September 2021, a leak of one's personal information or browser history was by far the most common reason for Japanese respondents to feel insecure when using the internet, with more than 90% mentioning it. Computer virus attacks and fake billings or frauds followed privacy concerns.
  • Furthermore, the survey revealed that most people in Japan feel anxious when using the internet, with the older generations having a higher tendency to feel this way. Such trends are expected to hamper the growth of the real-time payments market in every demography of the Japanese population. Leaking personal information is something that can also impact the payments habit of the younger population.
  • The growth of M-commerce is also contributing to the market growth as the smartphone penetration increased the buying and selling of goods and services in the country. According to the Mobile Content Forum, the m-commerce market size in Japan reached around JPY 4.9 trillion as of 2021.

Japan Real-Time Payment Industry Overview

The Japanese real-time payment market is fragmented due to the presence of many players operating in the market. The market has become an attractive choice due to rapidly changing customer tastes, attracting considerable investment. Because of the immense potential growth, service providers are undergoing strategic initiatives such as expansion, partnership, agreement, acquisitions, etc.

In August 2022, ACI Worldwide, the global leader in mission-critical, real-time payments software, announced an agreement with Japan's leading central domestic payment network, Japan Card Network, Inc., CARDNET, to modernize its digital payments infrastructure. The agreement would see ACI work with CARDNET to provide the latest digital payments technology and next-generation solutions to CARDNET's customers.

In March 2022, Worldline, a global leader in payments services, announced its entrance into Japan, where it will handle credit card payments for retailers across the country. Japan has large development potential for card payments because it is an economically mature, very secure nation with conservative consumer habits. Also, in March 2022, Worldline expanded its business into Japan, where it now provides credit card payment processing to local businesses. For its growth in Japan, the French payment provider teamed with local payment solutions and network service provider (NSP) Vesca. Vesca will serve as a technical enabler in the country, acting as Worldline's acceptance layer. Worldline intends to launch its service in early 2022. These services will comprise credit card acquisition and point-of-sale card acceptance and processing. According to the corporation, the company wants to increase its e-commerce capabilities in the following months.

Additional Benefits:

  • The market estimate (ME) sheet in Excel format
  • 3 months of analyst support

TABLE OF CONTENTS

1 INTRODUCTION

  • 1.1 Study Assumptions and Market Definitions
  • 1.2 Scope of the Study

2 RESEARCH METHODOLOGY

3 EXECUTIVE SUMMARY

4 MARKET INSIGHTS

  • 4.1 Market Overview
  • 4.2 Industry Attractiveness- Porter's Five Forces Analysis
    • 4.2.1 Bargaining Power of Suppliers
    • 4.2.2 Bargaining Power of Buyers/Consumers
    • 4.2.3 Threat of New Entrants
    • 4.2.4 Threat of Substitute Products
    • 4.2.5 Intensity of Competitive Rivalry
  • 4.3 Evolution of the Payments Landscape in the Country
  • 4.4 Key Market Trends Pertaining to the Growth of Cashless Transaction in the Region
  • 4.5 Assessment of Impact of COVID-19 on the Market

5 MARKET DYNAMICS

  • 5.1 Market Drivers
    • 5.1.1 Increased Smartphone Penetration
    • 5.1.2 Government Initiatives are Accelerating the Adoption of Real-Time Payment Solutions
  • 5.2 Market Challenges
    • 5.2.1 Payment Security Related Concerns
    • 5.2.2 Existing Dependence on Cash
  • 5.3 Market Opportunities
    • 5.3.1 Changes in Government Policies Encouraging the Growth of Digital Payments
  • 5.4 Key Regulations and Standards in the Digital Payments Industry
    • 5.4.1 Regulatory Landscape Across the World
    • 5.4.2 Business Models with Potential Regulatory Roadblocks
    • 5.4.3 Scope for Development in Lieu of Evolving Business Landscape
  • 5.5 Analysis of Major Case Studies and Use-Cases

6 Market Segmentation

  • 6.1 By Type of Payment
    • 6.1.1 P2P
    • 6.1.2 P2B

7 COMPETITIVE LANDSCAPE

  • 7.1 Company Profiles
    • 7.1.1 Fiserv Inc.
    • 7.1.2 Paypal Holdings Inc.
    • 7.1.3 Mastercard Inc.
    • 7.1.4 FIS Global
    • 7.1.5 VISA Inc.
    • 7.1.6 Apple Inc.
    • 7.1.7 Alipay (Ant Financial)
    • 7.1.8 SIA SpA
    • 7.1.9 Finastra
    • 7.1.10 ACI Worldwide Inc.

8 INVESTMENT ANAYSIS

9 FURTURE OF THE MARKET